Call reports 2002
CHARTER BANK — 2002
What CHARTER BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 262,269,000 | 285,938,000 | 291,917,000 | 295,657,000 |
| Total loans | 174,823,000 | 187,561,000 | 194,821,000 | 203,336,000 |
| Allowance for loan losses | 1,671,000 | 1,748,000 | 1,900,000 | 2,096,000 |
| Securities available for sale | 69,156,000 | 74,654,000 | 79,740,000 | 80,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 216,778,000 | 240,285,000 | 242,473,000 | 247,851,000 |
| Interest-bearing deposits | 203,433,000 | 223,274,000 | 223,332,000 | 228,899,000 |
| Noninterest-bearing deposits | 13,345,000 | 17,011,000 | 19,141,000 | 18,952,000 |
| Equity capital | 24,421,000 | 26,688,000 | 28,902,000 | 29,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,211,000 | 8,681,000 | 13,424,000 | 18,136,000 |
| Interest expense | 1,880,000 | 3,767,000 | 5,707,000 | 7,476,000 |
| Net interest income | 2,331,000 | 4,914,000 | 7,717,000 | 10,660,000 |
| Noninterest income | 314,000 | 602,000 | 906,000 | 1,243,000 |
| Noninterest expense | 908,000 | 1,822,000 | 2,758,000 | 3,890,000 |
| Provision for loan losses | 135,000 | 295,000 | 485,000 | 745,000 |
| Pretax income | 1,608,000 | 3,411,000 | 5,392,000 | 7,280,000 |
| Income tax | 348,000 | 749,000 | 1,205,000 | 1,613,000 |
| Net income | 1,260,000 | 2,662,000 | 4,187,000 | 5,667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,397,000 | 25,799,000 | 27,322,000 | 28,784,000 |
| Total capital | 26,068,000 | 27,547,000 | 29,222,000 | 30,880,000 |
| Risk-weighted assets | 189,287,000 | 209,144,000 | 215,383,000 | 224,335,000 |